Home Loans

Enjoy great rates and excellent service.
Get Started

From first-time home buyers, to long-time homeowners we have the products you need and dedicated team you deserve. 

Find the right Home Loan for you.


No matter what your home loan needs, Sacramento Credit Union is right there with you at every step of the way. Whether you are looking for your first home, your next home, or it’s time to refinance your existing home loan, our dedicated and local team of Mortgage Loan Consultants are here to help. Click here to check rates.

All SCU Home Loans offer:

  • Low rates

  • Fast processing

  • Excellent service

Get pre-approved at Sacramento Credit Union and start shopping!

Contact us and get started today!


Getting ready for your first home.

First-time homebuyers start your journey here:

As a first-time homebuyer, navigating your local housing market and applying for your first mortgage can be a daunting process. Click here to check rates. Not ready to apply, but still want more information? Complete our short online form and a real estate loan consultant will contact you within one day. 

Up to $50,000 Middle-Income Downpayment Assistance Grants are available for a short time for First-Time Homebuyers. Contact us to learn more and apply.1 

We're on your team.
Buying your first home is an exciting time but there are a lot of steps and things to consider. From interest rates, location, and mortgage products to insurance requirements and beyond, you need a team on your side. Learn more about the process and how we will be a trusted partner throughtout the entire journey.


Ready to get started right now? 

Fill out the Contact Form so we can help you get moving in the right direction.

1The applicant must:

  • Be a first-time homebuyer, as defined by the U.S. Department of Housing and Urban Development (HUD);
  • Income eligibility requires the homebuyer household to have earnings between 80.01% and 140% of the HUD defined AMI based on purchase property address and adjusted for household size;
  • Successfully complete a homebuyer counseling program;
  • Purchase an eligible property as their primary residence in Arizona, California, or Nevada. Such property may include (1) single-family homes, such as a condominium, cooperative housing, and manufactured homes, and (2) housing with two to four dwelling units with at least one owner-occupied unit;
  • Open escrow on a home purchase transaction, with closing scheduled within 60 days prior to the Bank member requesting program funds, which such member will disburse to the homebuyer; and
  • Make a minimum contribution of $10,000, which may come from savings or gifted funds.
  • Other restrictions apply.
  • Offer may end at any time and/or when Grant Funds are no longer available or are depleted.
  • Equal Housing Lender.